International health insurance is designed for those living or working overseas for a prolonged period of time. It covers treatment for both emergency and routine healthcare, and provides expats with flexibility in terms of choice of doctor and treatment facility, with the ability to receive treatment anywhere within their region of cover.
For those relocating or who have a home abroad, and would like comprehensive medical cover in their home country as well as other countries where they regularly spend time, international health insurance would be required.
When experiencing a medical emergency, or even routine medical care, in a country where you are not familiar with the health system, and where you do not speak the language, international health insurance cover will ensure you get the medical attention you need.
International health insurance cover varies depending on selected plans, but often includes:
- Hospital stay
- Routine check-ups
- Cover for pre-existing conditions
- Cover for chronic conditions
- Choice of medical providers
Our standard plans are modular so you can choose the combination of cover that best suits you and your families needs. In addition to the Core plan, options include:
The flexible nature of these plans, mean they can be tailored to meet your specific needs, making the right combination of cover for you and your family more financially accessible. Core plan and out-patient plan deductibles offer an opportunity to reduce premiums, as can a careful consideration of the region of cover. For example, taking ‘Worldwide excluding USA’ instead of ‘Worldwide’ will alter premium significantly.
As an expat, it can be tempting to try to keep costs down by opting to rely on local healthcare when you are abroad. However, should you fall ill, you may find that the local healthcare options do not meet your needs.
Depending on where you are moving to and your individual circumstances, you may not be entitled to free or subsidised healthcare. Without an expatriate health plan, you may incur expensive medical costs.
Before venturing abroad, it is important to weigh up your options and ensure that you have adequate health insurance you can rely on. Having the correct cover in place, will give you peace of mind that the medical needs of you and your family will be taken care of.